Zero Percent Credit Cards

A zero percent introductory interest rate credit card is useful for consolidating your existing credit card debt onto one card, buying yourself some time to pay down your debt interest-free. In addition to looking at the length of the introductory period, you should also take a look at the ongoing APR just in case you can't pay off your transferred debt in time. Also, beware of balance transfer fees, which can range from 2% to 5% of the transfer amount. Check out NerdWallet's picks for the best 0% interest credit cards to save money on interest payments!

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Showing 1 - 10 of 59  Results
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Credit Card Annual Fee Introductory APRs Ongoing APRs *True Interest Cost dollarsign
Citibank Simplicity Credit Card

Citi Simplicity® Card

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Show Details
$0* 0% Intro APR for 18 Months on Balance Transfers* and 18 Months on Purchases*
12.99% - 21.99%* (Variable)
3.23%
question

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on Citibank's
secure website

thumbsupPros
  • No late fee
  • No annual fee
  • 0%* on purchases and balance transfers for 18 months*
thumbsdownCons
  • No rewards
NerdScore, Interest Over 2 Years
Intro purchase APR, first 18 months0.00%
Ongoing APR after 18 months12.99%-21.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
3.23%
Account Details

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.

See complete Citi Simplicity® Card details

Bank of America BankAmericard Visa Credit Card

BankAmericard® Visa® Card

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Show Details
$0 0% on purchases and qualifying balance transfers for 15 billing cycles*
10.99% - 20.99% Variable* on purchases & balance transfers
N/A
question

Apply Now

on Bank of America's
secure website

NerdScore, Interest Over 24 Billing Cycles
Intro purchase APR, first 15 billing cycles0.00%
Ongoing APR after 15 billing cycles10.99% - 20.99% Variable on purchases and balance transfers
True Interest Cost, 24 billing cycles effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
N/A
Account Details

  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Our $0 Liability Guarantee,* so you're not responsible for any fraudulent charges made on your account
  • Chip technology for enhanced security at chip-enabled merchant terminals

See complete BankAmericard® Visa® Card details

Discover It Credit Card

Discover it®

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Show Details
$0 0% intro APR on purchases and balance transfers for 14 months.
10.99% - 22.99% Variable*
4.57%
question

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on Discover's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 14 months
  • No foreign transaction fee
NerdScore, Interest Over 2 Years
Intro purchase APR, first 14 months0.00%
Ongoing APR after 14 months10.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
4.57%
Account Details

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

See complete Discover it® details

Chase Freedom - $100 Cash Back Credit Card

Chase Freedom®

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Show Details
$0 0% APR for 15 months on purchases and balance transfers
13.99% - 22.99% (Variable)
5.23%
question

Apply Now

on Chase's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
NerdScore, Interest Over 2 Years
Intro purchase APR, first 15 months0.00%
Ongoing APR after 15 months13.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
5.23%
Account Details

  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between July 1 and September 30, 2014 at gas stations and Kohl's®
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire

See complete Chase Freedom® details

Capital One VentureOne Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

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Show Details
$0 0% on purchases until August 2015
11.9% - 19.9% (V)
5.94%
question

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on Capital One's
secure website

thumbsupPros
  • High rewards rate
  • No annual fee
  • No foreign transaction fee
NerdScore, Interest Over 2 Years
Intro purchase APR0.00%
Regular APR11.9%(V)-19.9%(V) Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
5.94%
Account Details

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases
  • Travel when you want—no blackout dates
  • Miles don't expire
  • No limit to the miles you can earn

See complete Capital One® VentureOne® Rewards Credit Card details

Bank of America BankAmericard Cash Rewards Visa Signature Credit Card

BankAmericard Cash Rewards™ Credit Card

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Show Details
$0 0% on purchases and qualifying balance transfers for 12 billing cycles*
12.99% - 22.99% Variable* on purchases & balance transfers
N/A
question

Apply Now

on Bank of America's
secure website

NerdScore, Interest Over 24 Billing Cycles
Intro purchase APR, first 12 billing cycles0.00%
Ongoing APR after 12 billing cycles12.99% - 22.99% Variable on purchases and balance transfers
True Interest Cost, 24 billing cycles effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
N/A
Account Details

  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • Bank of America customers: Get an ongoing 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
  • No annual fee
  • No changing categories and your rewards do not expire

See complete BankAmericard Cash Rewards™ Credit Card details

Citibank Dividend Platinum Select Visa Card Credit Card

Citi® Dividend Platinum Select® Visa® Card

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Show Details
$0* 0% Intro APR for 12 months on Balance Transfers and Purchases*
12.99%-22.99%* (Variable)
6.48%
question

Apply Now

on Citibank's
secure website

thumbsupPros
  • No annual fee
  • 0%* on purchases and balance transfers for 12 months*
NerdScore, Interest Over 2 Years
Intro purchase APR, first 12 months0.00%
Ongoing APR after 12 months12.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
6.48%
Account Details

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% Cash Back in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details

See complete Citi® Dividend Platinum Select® Visa® Card details

Chase Slate Elite Credit Card

Chase Slate®

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Show Details
$0 0% Intro APR on purchases and balance transfers for 15 months
12.99%, 17.99%, or 22.99% (V)
6.71%
question

Apply Now

on Chase's
secure website

thumbsupPros
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
thumbsdownCons
  • No rewards
NerdScore, Interest Over 2 Years
Intro purchase APR, first 15 months0.00%
Ongoing APR after 15 months12.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
6.71%
Account Details

  • Pay less interest. Save on balances and new purchases
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee
  • Best 0% Offer in "Crowning 2013's Best Credit Card Offers" (January 14, 2013) -Forbes Online

See complete Chase Slate® details

Union Bank Platinum Edition Visa Card Credit Card

Union Bank Platinum Edition Visa Card

starstarstarhalfstar
Show Details
$0 Purchase:
0% for 12 mos
Balance Transfer:
0% for 12 mos
Min APR:
9.99%
Max APR:
17.99%
Penalty APR:
29.99%
Cash Adv:
25.24%
7.47%
question

Apply Now

on Union Bank's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
thumbsdownCons
  • No rewards
NerdScore, Interest Over 2 Years
Intro purchase APR, first 12 months0.00%
Ongoing APR after 12 months14.99%
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
7.47%
Account Details

  • No rewards offered

See complete Union Bank Platinum Edition Visa Card details

Bremer Bank Signature Credit Card

Bremer Bank Signature

starstarstar
Show Details
$0 Purchase:
0% for 6 mos
Balance Transfer:
0% for 6 mos
Min APR:
9.99%
Max APR:
20.99%
Cash Adv:
23.99%
7.48%
question

Apply Now

on Bremer Bank's
secure website

thumbsupPros
  • No annual fee
  • 0% for 6 mos on transfers
NerdScore, Interest Over 2 Years
Intro purchase APR, first 6 months0.00%
Ongoing APR after 6 months9.99%
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
7.48%
Account Details

  • 1% on purchases

See complete Bremer Bank Signature details

* "Annual Rewards" and "True Interest Cost" are NerdWallet estimates and not credit card providers numbers.
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
  1. [2013-07-05 00:54:12] - elizabeth sevilla says: more credit unions for balance transfer of 18 months low interest and low balance transfer fees
  2. [2013-07-02 18:31:59] - NerdWallet says: Your best bet is probably the Citi Simplicity, as it currently offers 0% interest on purchases for a full 18 months. That's one of the best offers in the business.
  3. [2013-01-08 16:48:11] - debtfree says: whats the best credit card if I don't want to pay interest on new purchases?
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